Lead Analyst

Description:

📊 Join Vanquis Bank as a Lead Analyst, Credit Risk Forecasting! 📊

Vanquis Bank, a FTSE All Share company and a leading specialist bank, is looking for a Lead Analyst, Credit Risk Forecasting to take charge of portfolio forecasting, risk analysis, and strategic decision-making. This is an excellent opportunity to join a high-performing team in the financial sector, where you will develop forecasting models, analyze credit trends, and provide insights to drive business strategy.

If you are an experienced credit risk professional with expertise in forecasting, IFRS9 impairments, and credit risk modeling, this role offers the chance to make a significant impact in a fast-paced, data-driven environment.

Key Responsibilities:

📈 Forecasting & Risk Analysis:
✔️ Design and implement advanced forecasting models for key portfolios, including credit cards, loans, and vehicle finance.
✔️ Use statistical models and data analytics techniques to predict credit trends, risks, and opportunities.
✔️ Ensure forecasting models remain accurate, up-to-date, and aligned with business needs.

📊 Performance Monitoring & Strategy:
✔️ Regularly track and analyze portfolio performance, adjusting forecasts based on real-time data.
✔️ Support risk management, finance, and operational teams with data-driven insights to improve decision-making.
✔️ Identify emerging market trends and recommend strategic actions to minimize risk and optimize portfolio performance.

🗣 Stakeholder Communication:
✔️ Present findings and strategic recommendations to senior management and business stakeholders.
✔️ Convert complex data insights into actionable business strategies for non-technical audiences.
✔️ Collaborate with cross-functional teams to align forecasting efforts with business goals.

📢 Team Leadership & Mentorship:
✔️ Lead, mentor, and develop a team of credit risk analysts, ensuring best practices in forecasting & portfolio analysis.
✔️ Provide guidance on data modeling techniques, risk assessment, and reporting methodologies.
✔️ Support the professional growth of the team through knowledge-sharing and technical upskilling.

🚀 Continuous Improvement & Innovation:
✔️ Improve forecasting models and methodologies to enhance accuracy and reduce errors.
✔️ Develop innovative approaches to credit risk forecasting, impairment modeling, and stress testing.
✔️ Utilize advanced analytics tools (Python, SAS, R) to optimize forecasting performance.

Requirements:

🎓 Qualifications & Experience:
✔️ 3+ years’ experience in credit risk forecasting, portfolio analysis, or a related field within the consumer credit industry.
✔️ Strong expertise in IFRS9 impairments, credit risk modeling, and stress testing.
✔️ Extensive experience in developing, validating, and monitoring credit models.
✔️ Proficiency in advanced analytics tools (SAS, R, Python).
✔️ Proven ability to manage and mentor an analytical team, providing strategic direction and support.

🔹 Key Skills & Competencies:
✔️ Strong analytical skills with a deep understanding of risk assessment, data modeling, and forecasting methodologies.
✔️ Ability to convert complex data into meaningful business insights.
✔️ Strong stakeholder management and effective communication skills to present technical findings to non-technical audiences.
✔️ Detail-oriented with a passion for accuracy in forecasting and performance tracking.
✔️ Ability to anticipate market trends and adjust forecasting strategies accordingly.

Why Join Vanquis Bank?

🌟 Hybrid & Flexible Working – Work 1 day a week in the office, with flexible arrangements available.
🌟 Generous Benefits Package – Including private medical insurance, enhanced maternity/paternity leave, pension contributions up to 10%, and bonus eligibility.
🌟 Learning & Development – Access to LinkedIn Learning & career growth opportunities.
🌟 Company Culture – A supportive, inclusive, and diverse workplace with volunteering opportunities and recognition schemes.
🌟 Impactful Work – Play a key role in shaping credit risk forecasting strategies for a leading UK specialist bank.